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Merchant Underwriter Jobs (NOW HIRING)

... across underwriting, onboarding, merchant due diligence, portfolio monitoring and risk ... investigations. Working closely with Merchant Risk Strategy, Commercial, Product, Compliance, Fraud ...

Underwriter

Dallas, TX · On-site

$27 - $30/hr

... merchants. * Works with members, staff, and external partners to obtain documentation needed for loan. * Speaks effectively and professionally with members to streamline processes. * Performs other ...

Underwriter

Williamsport, PA · On-site

$20 - $25/hr

Underwriter REPORTING TO : Consumer Lending Manager DEPARTMENT : Consumer Lending Department FLSA ... Collaborates with local businesses to enhance and manage merchant lending and indirect lending ...

Senior Product Manager, Market Expansion - Merchant Central

$129K - $170K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

NMI's SaaS products power how ISOs and ISVs manage their entire merchant lifecycle-from pipeline and onboarding to underwriting, boarding, residuals, and support. Today, that's a US-only story. This ...

Senior Product Manager, Market Expansion - Merchant Central

OR · On-site +1

$126K - $166K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

NMI's SaaS products power how ISOs and ISVs manage their entire merchant lifecycle-from pipeline and onboarding to underwriting, boarding, residuals, and support. Today, that's a US-only story. This ...

Headquartered and incorporated in Los Angeles, California, Xsolla operates as the merchant of ... Responsibilities Underwriting Framework and Credit Policy * Design the fund's underwriting ...

New

Headquartered and incorporated in Los Angeles, California, Xsolla operates as the merchant of ... Responsibilities Underwriting Framework and Credit Policy * Design the fund's underwriting ...

New

Headquartered and incorporated in Los Angeles, California, Xsolla operates as the merchant of ... Responsibilities Underwriting Framework and Credit Policy * Design the fund's underwriting ...

New

Credit Specialist - Underwriter

Irving, TX · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent ... We are searching for an Underwriter who can take the handoff from our sales team to work directly ...

Credit Specialist - Underwriter

Irving, TX · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent ... We are searching for an Underwriter who can take the handoff from our sales team to work directly ...

Showing results 41-60

Merchant Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do merchant underwriter jobs pay per year?

As of Aug 16, 2026, the average yearly pay for merchant underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

Is it hard to get a job in merchant underwriting?

Getting a job as a merchant underwriter can be competitive, but having relevant experience in credit analysis, financial assessment, and familiarity with underwriting software improves chances. Entry-level roles may require some industry knowledge or certifications, but many employers value analytical skills and attention to detail. Overall, the difficulty depends on the job market and individual qualifications.

What are some typical challenges faced by merchant underwriters, and how are they addressed?

Merchant Underwriters often face the challenge of balancing risk mitigation with the need to approve quality clients quickly. This requires careful analysis of financial documents, staying updated on fraud trends, and making swift yet accurate decisions under tight deadlines. Collaboration with sales, risk, and compliance teams is common to ensure each applicant is thoroughly evaluated. Training, ongoing professional development, and access to robust risk-assessment tools help underwriters address these challenges effectively.

Do merchant underwriters make a lot of money?

Merchant underwriters typically earn a median salary that is competitive within the financial industry, with salaries varying based on experience, location, and employer size. They often receive benefits such as health insurance and retirement plans, and higher earnings are possible with advanced certifications or specialized skills. Overall, the role offers a stable income but is not usually among the highest-paying jobs in finance.

What are the key skills and qualifications needed to thrive as a merchant underwriter?

To thrive as a Merchant Underwriter, you need strong analytical skills, a foundational understanding of credit risk and financial analysis, and typically a bachelor’s degree in finance, business, or a related field. Familiarity with underwriting platforms, credit reporting systems, and industry-specific software such as Salesforce or Sageworks is often required. Keen attention to detail, effective communication, and sound judgment are important soft skills that set candidates apart. These abilities are essential for accurately assessing merchant risk, making informed decisions, and maintaining strong client relationships in a fast-paced financial services environment.

What is a merchant underwriter?

A Merchant Underwriter is responsible for assessing the risk of businesses applying for merchant accounts to process credit card transactions. They analyze financial statements, credit history, business models, and industry risks to determine approval and pricing. Their role is crucial in preventing fraud and minimizing financial losses for payment processors and banks. Merchant Underwriters must balance risk assessment with business growth goals while ensuring compliance with industry regulations.

More about Merchant Underwriter jobs

What are the most commonly searched types of Merchant Underwriter jobs?

The most popular types of Merchant Underwriter jobs are:

What states have the most Merchant Underwriter jobs?

States with the most job openings for Merchant Underwriter jobs include:

What job categories do people searching Merchant Underwriter jobs look for?

The top searched job categories for Merchant Underwriter jobs are:

Infographic showing various Merchant Underwriter job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

VP Merchant Risk Operations

Francisco Partners

Jacksonville, FL • On-site

$180 - $240/hr

Other

Posted 11 days ago


Job description

VP Merchant Risk Operations About Paysafe

Paysafe is a global payments platform powering the experience economy, with a strong focus on the iGaming, video gaming, e-commerce, retail, travel and hospitality sectors. With 30 years of expertise in payment technology, Paysafe helps businesses and consumers lift every experience through seamless, secure payment solutions, including card payments, digital wallets such as Skrill, eCash solutions like PaysafeCard, and a suite of local payment methods. With approximately 2,900 employees across 12 countries and annualized transactional volume of $167 billion in 2025, Paysafe connects people and businesses worldwide through innovative digital payment experiences.

Role Summary

The VP, Merchant Risk Operations is responsible for leading the operational delivery of Paysafe’s Merchant Risk function across the merchant lifecycle. The role is accountable for operational performance, service quality, capacity planning, operational controls, workforce capability and continuous improvement across underwriting, onboarding, merchant due diligence, portfolio monitoring and risk investigations. Working closely with Merchant Risk Strategy, Commercial, Product, Compliance, Fraud and Technology, the VP ensures operational execution aligns with risk appetite while delivering an efficient merchant experience.

The Opportunity

Paysafe operates in a dynamic payments environment where Merchant Risk Operations must be disciplined, scalable and commercially enabling. This role offers the opportunity to lead a business-critical global operations function at scale, ensuring execution is consistent, controlled and efficient across the merchant lifecycle. The successful candidate will bring a modern operations leadership perspective, with experience using data, workflow, automation, AI-enabled decision support and cross-functional partnership to improve speed, quality, productivity and merchant outcomes. They will be a credible and proven transformation leader who can balance operational delivery with strategic input, influence executive stakeholders and lead distributed teams through change with clarity and confidence.

Key Accountabilities
  • Lead the global Merchant Risk Operations function, ensuring consistent operational delivery across underwriting, onboarding, merchant review, portfolio monitoring and risk investigations.
  • Deliver operational execution in line with established risk policies, governance frameworks and risk appetite.
  • Own operational performance across Merchant Risk Operations, including productivity, quality, SLAs, backlog management and service delivery.
  • Build scalable operating procedures, quality assurance frameworks and operational controls that support consistent decisioning and strong portfolio protection.
  • Lead workforce planning, organisational design and capacity management across global teams.
  • Drive continuous improvement through Lean, automation, workflow optimisation and AI-enabled decision support.
  • Develop operational KPIs and management reporting to improve efficiency, consistency and customer outcomes.
  • Act as senior operational escalation for complex merchant reviews and high-impact risk events, balancing commercial judgement with strong portfolio protection.
  • Partner with Technology to automate manual activities, improve straight-through processing and strengthen operational scalability.
  • Build and lead a high-performing global Merchant Risk Operations organisation, creating a culture of accountability, operational excellence, continuous improvement and customer focus.
Experience and Background
  • 10+ years of experience in Payments, Banking, Risk, Fraud, Compliance or Transformation.
  • At least 3 years of experience managing large Merchant Risk Operations, Payments Operations, Acquiring Operations or Risk Operations teams across multiple regions, including leaders of leaders and distributed organisations.
  • Experience owning operational KPIs, SLAs, quality, productivity, service delivery and backlog management in a scaled environment.
  • Experience improving operational efficiency through automation, workflow redesign, process optimisation and technology enablement.
  • Experience scaling operational functions during periods of growth, complexity or increased transaction volume.
  • Strong understanding of merchant underwriting, onboarding, KYC/KYB, due diligence, portfolio monitoring, merchant review, fraud escalation and operational controls.
  • Experience partnering with Merchant Risk Strategy, Commercial, Product, Compliance, Fraud and Technology to support responsible growth while maintaining appropriate risk controls.
  • Proven experience leading operational transformation through process optimisation, workflow redesign, automation, AI and technology to improve efficiency, quality and scalability.
  • Experience communicating to ExCo, Board, Regulators and Banking Partners with the ability to translate complex operational and risk topics into clear, pragmatic business recommendations.
  • Bachelor's degree required with MBA or Master's degree preferred.
Why Join
  • Lead one of the most rapidly transforming Merchant Risk Operations teams in global payments powering the experience economy.
  • Build the future operating model through automation, AI and operational excellence.
  • Drive measurable improvements in quality, productivity and merchant experience.
  • Influence how Merchant Risk Operations supports Paysafe’s continued growth globally.
Equal Employment Opportunity

Paysafe provides equal employment opportunities to all employees, and applicants for employment, and prohibits discrimination of any type with regard to ethnicity, religion, age, sex, national origin, disability status, sexual orientation, gender identity or expression, or any other protected characteristics. This policy applies to all terms and conditions of recruitment and employment. If you need any reasonable adjustments please let us know. We will be happy to help and look forward to hearing from you.

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